Moneylender registered in the Republic of Singapore License No. 149/2022
Check My
EligibilityEstimate Loan Easily with U-Credit Loan Calculator
Adjust the numbers, explore repayment options and find a plan that fits your needs.
Your Total Repayment
22,166.20
-
Monthly Installment
SGD1,108.31
-
Total Interest
SGD2,166.20
Our Loan Options that are Tailored For All Your Needs
From personal loans to business financing, we're committed to providing the support you need.
Personal Loan
A personal loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Personal Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Business Loan
A Business Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Business Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Wedding Loan
A Wedding Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Wedding Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Renovation Loan
A Renovation Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Renovation Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Vacation Loan
A Vacation Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Vacation Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Medical Loan
A Medical Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Medical Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Fast Cash
A Fast Cash is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Fast Cash with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Foreigner Loan
A Foreigner Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Foreigner Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Debt Consolidation
A Debt Consolidation is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Debt Consolidation with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
Payday Loan
A Payday Loan is an unsecured line of credit that can easily help you reach your goals.
Time is precious. Packed with busy schedules, advanced technology and the constant mobile notifications, we hustle a lot.
At any point of our lives, whether we are studying, building our careers or starting a family, there will be times when we need money, fast.
U-Credit can take care of that for you.
Benefits of a Payday Loan with U-Credit
-
Better and improved credit scores
-
Flexible loan tenures
-
Ease of application and approval
-
Increased convenience
The Smarter Way to Borrow is Borrow with U-Credit
Because every borrower deserves clear terms, fair rates, and the peace of mind of safe lending.
Apply for Your Loan NowApply Faster with Singpass/MyInfo
Apply with Singpass/MyInfo for quick verification and for a smoother journey.
The Best Rates to Borrow
Enjoy affordable loan rates from 1% to 4% on amounts up to SGD 100,000, with flexible repayment plans of up to 36 months.
Transparent From Start to Finish
Every cost is laid out clearly, with no hidden fees, backed by a team that understands your needs.
Your Step by Step Guide to Applying Loan with U-Credit
From application to approval — borrowing made easy with U-Credit.
Apply Online
Apply in minutes with Singpass or MyInfo. Manual application also available.
Fast Check-In
We’ll reach out quickly to confirm your details and answer questions.
Verify & Sign
Meet us in person to verify your identity and sign your loan agreement.
Get Your Funds
Receive your funds promptly once approved by cash or PayNow.
Get to Know Us Better Discover U-Credit’s Story
Over time, our mission has been clear: to support people in reaching their dreams through fair lending.
Over time, our mission has been clear: to support people in reaching their dreams through fair lending.
Under Singapore’s Ministry of Law
Who We Are?
U-Credit is a licensed money lender
in Singapore, dedicated to providing transparent, fair
and flexible loan solutions that put our clients first.
We are committed to making borrowing simple and stress-free, with clear terms and repayment plans tailored to individual needs.
-
Clear & Transparent Terms
-
Customer-Centric Service
-
Integrated with Singpass/MyInfo
Visit Our Store
at The Bencoolen
How to Getting Here
By MRT (nearest
stations)
Right outside The Bencoolen, about 1–2 mins walk.
About 5 mins walk.
About 5-8 mins walk.
By Bus (nearest stops along
Bencoolen Street)
About 1–2 mins walk.
Buses: 131, 147, 166, 857
About 1–2 mins walk.
Buses: 64, 65, 139
Our Customers are Our Best Advisors
We are proud to have served our customers well, and we want to extend that same level of
service to even
more people in the future.
- 4.9
-
565 Google reviews
March 1, 2023
Very professional, friendly and patient as well as sound sincere and genuine
March 1, 2023
Very professional, friendly and patient as well as sound sincere and genuine
March 1, 2023
Very professional, friendly and patient as well as sound sincere and genuine
March 1, 2023
Very professional, friendly and patient as well as sound sincere and genuine
March 1, 2023
Very professional, friendly and patient as well as sound sincere and genuine
March 1, 2023
Very professional, friendly and patient as well as sound sincere and genuine
Stay Updated with U-Credit's Latest News and Expert Insights
Achieve Financial Stability With A Budget
Wondering where all of your money goes each month? If you’re one of the nearly 30% of Americans who live without a monthly budget, then you’re not alone.
Fueling Your Business Growth With SME Loans
Running a business comes with cash flow challenges. Discover how SME loans can provide the support you need to manage operations, invest in growth, and seize opportunities—all while staying compliant with Singapore regulations.
Managing Family Expenses: When Is It Okay To Take A Loan?
Unexpected expenses—medical bills, education fees, or home repairs—can put pressure on your budget. Here’s how to decide if a personal loan is the right choice to ease the load without straining your long-term finances.
Understanding Credit Scores: Why They Matter For Your Loan Approval
Your credit score tells lenders a lot about your financial habits. Learn how it affects your loan application, the common mistakes to avoid, and tips to improve your score for better approval chances.
Your trusted partner in every step of borrowing
Secure the funds you need with licensed, trusted support.
Apply With
Frequently Asked Questions
Transparent answers to help you make informed decisions.
To apply for a loan with U Credit, all the following criteria must be fulfilled:
-
Be a citizen or permanent resident of Singapore, or for foreigners, have a passport and employment pass.
-
Be above 21 years of age, and is not an undischarged bankrupt, nor facing any bankruptcy proceeding.
-
Be permanently employed, have a valid work permit (for foreigners) or self-employed with a valid income prove.
With effect from 1 October 2015, all moneylenders are only permitted to impose the following charges and expenses:
-
1.
A fee not exceeding $60 for each month of late repayment;
-
2.
A fee not exceeding 10% of the principal of the loan when a loan is granted; and
-
3.
Legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
You are advised to seek clarifications on specific terms of the loan contract before signing up with a licensed moneylender, and not to rely solely on the content of advertisements from the moneylender.
Try the U-Credit Loan Calculator
Explore How to Build an Emergency Fund
The smarter way to borrow starts here.
With U-CREDIT, you’re never alone — we make borrowing safe and stress-free.
